COMP <GO>
OPFI vs OPRT // GROSS PROFIT MARGIN
OppFi Inc. (Class A) (NYSE) VS. Oportun Financial Corporation (NASDAQ) • 15-METRIC TALLY: OPFI 3
— OPRT 2
■ METRIC PARITY
LAST: $5.62 (-4.10%) • MKT CAP: $499.3M
gross-margins
—
LAST: $9.89 (-0.90%) • MKT CAP: $459.0M
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (OPFI VS. OPRT)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | OPFI | OPRT | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 85.00% | 6.50% | +78.50 | OPFI | /roic <GO> |
| EV/EBITDA & P/E Valuation | 2.7x | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 68.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | -14.10% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.28% | 0.00% | +1.28 | OPFI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 47.9 | 70.8 | -22.90 | OPRT | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 17.7x | 16.9x | +0.80 | OPRT | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $499.3M | $459.0M | $40.4M | OPFI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | OPFI REV | OPRT REV | OPFI GROSS % | OPRT GROSS % | OPFI FCF | OPRT FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $19.5M | — | — | $401.3M | $413.4M |
| FY 2024 | $0 | $22.7M | — | — | $323.8M | $393.5M |
| FY 2023 | $0 | $25.6M | — | — | $296.1M | $392.8M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
OPFI // BETA —
OPRT // BETA —